I am Julie C. Richards – a licensed Mortgage Loan Officer with Spruce Mortgage, Inc. and will find it a privilege to work with you in serving your needs while representing Spruce Mortgage, Inc.

As a native Vermonter my background includes Property Management, Real Estate Investment, Project Management, and Non-Profit Fundraising. In my spare time I am a professional Photographer and enjoy donating my time and skills to Make*A*Wish Vermont, Make*A*Wish America, Lund, The Stern Center for Language and Learning, and the Boys and Girls Club of Burlington.

Currently, I serve as a a Board Member of For One Another Foundation and The Humane Society for Chittenden County.

As a committed, hard-working, and service-oriented individual I look forward to working with you.